LAW FIRM PROFILE
Cummisford, Acevedo & Associates, LLC
Admitted to practice in the state circuit courts of all 72 counties throughout Wisconsin,
the United States Bankruptcy Courts for the Eastern and Western Districts of Wisconsin, the U. S. District Courts for the
Eastern and Western Districts of Wisconsin, and the U. S. District Court for the Northern District of Illinois.
Mark R. Cummisford and Michael Acevedo have a vast array of experience
in the overall mortgage banking, servicing, and real estate industries with a focus on creditor rights and default servicing,
including bankruptcy, foreclosure, contested and litigated foreclosures, loss mitigation, eviction, title claims, REO closing,
and real estate transactional work. Additional areas of significant experience include management and in-house counsel
oversight of compliance, contract recovery, correspondent lending, credit risk, default servicing management, default litigation,
foreclosure, mortgage banking and servicing, risk management, and repurchases.
Mark R. Cummisford
Juris Doctorate, Marquette University Law School,
Milwaukee, Wisconsin 2001
Graduate Certificate in Dispute
Resolution, Marquette University, Milwaukee, Wisconsin 2002
Doctorate, University of Wisconsin, Madison, Wisconsin 1995
Management, Harvard University 1993
Cummisford, Acevedo & Associates,
LLC- Oak Creek, Wisconsin 2/1/07 - Present
Creditor rights law
firm representing mortgage bankers, lenders, and servicers in foreclosure, bankruptcy, litigation, loss mitigation, eviction,
and REO closings.
Washington Mutual Bank - Milwaukee,
Wisconsin 2/1/03 - 1/31/07
Operations Manager/Contract Administration-Recourse and Recovery (2005 - 2007)
Created and managed recovery operation, which administered more than $500MM plus of contract administration
involving operational, credit risk, and market exposure. Hired and managed staff of exempt professional employees to
identify, negotiate, and resolve contractual, breach of contract, and legal issues affecting all divisions and to reduce and
eliminate credit and operational risk exposure. Negotiated and recovered nearly $100MM in 2005/2006 and resolved more
than $300 MM in credit risk.
Recovery/Foreclosure/Loss Prevention (2003-2005)
two national default servicing vendors, which included oversight of default/foreclosure operation processing more than 30,000
foreclosures annually and more than 1,800 contested and litigated foreclosure cases. Resolved more than 1,500 contested
and litigated foreclosure cases.
Real Estate Attorney,
Brookfield, Wisconsin 2002 - 2003
Managed all contested
and litigated real estate mortgage foreclosure cases for Wisconsin law firm, which represented large nationwide mortgage banking
and mortgage lending companies. Filed more than 400 mortgage foreclosure lawsuits in Wisconsin and drafted legal pleadings
and other legal documents from collections, default, breach, and acceleration, through foreclosure, bankruptcy, and REO. Negotiated
settlements and resolved contested and litigated files and title claims. Coordinated and closed post-foreclosure REO
sale transactions for major mortgage lenders and servicers.
Estate Broker/Owner/Manager, Milwaukee, Wisconsin 1986 - 2002
Established, owned, and managed a closely held subchapter S corporation (real estate
brokerage). Served customers and represented clients in legal and real estate agency relationships and marketed real
property. Clients included private parties, companies, public entities, and governmental agencies, including HUD, V.A.,
U. S. Marshall Service, and Resolution Trust Corporation ("RTC"). Elected to two three-year terms on Board
of Directors for a 6,000 member organization and served as hearing panel member and chairperson to arbitrate professional
disputes and resolve ethics complaints.
& Associates, LLC - Oak Creek, Wisconsin 7/1/07 - Present
Creditor rights law firm representing
mortgage bankers, lenders, and servicers in foreclosure, bankruptcy, litigation, loss mitigation, eviction, and REO closings.
USA Funding Corp. - Brookfield, Wisconsin 1998-2007
Corporate Counsel and Secretary
Provided legal advice to management on state and federal mortgage lending and consumer finance laws, including
FHA, Federal VA and State VA regulations. Responded to and initiated mortgage loan repurchase requests. Reviewed
all contracts, leases, and agreements from both the legal and business perspective for accuracy and ramifications. Acted
as point person with state regulators on audits and consumer grievances, and with inquiries from FHA, VA, Fannie Mae and Freddie
Associates Financial - Milwaukee, Wisconsin
Originated personal, automobile, and mortgage loans for Wisconsin consumers.
PROFESSIONAL / COMMUNITY ACTIVITIES
Oak Creek Kiwanis Club 2007-2015 (Michael Acevedo)
Southeast Wisconsin Baseball Booster Club, Inc. 2012-2015 (Mark Cummisford, Founder and President/Secretary)
Adjunct Professor, Real Estate Conveyance, Marquette University Law School 2003
Graduate Teaching Assistant, Alternative Dispute Resolution, Marquette Law School
Student Mediator, Milwaukee County Small Claims Court, Mediation Clinic
Board of Directors, Greater Milwaukee Association of Realtors ("GMAR")
Board of Directors, Hope House (Milwaukee) 1998-1999.
Fundraising Committee, Hope House, 1997-1999.
Standards Committee, Membership Committee, and Grievance Committee 1988-2008
LICENSES AND CERTIFICATES
Licensed Wisconsin Attorney, Member of Wisconsin State Bar Association 2002-2015
Licensed Wisconsin Real Estate Broker, 1986 - 2015
Member of NAR, WRA, and GMAR 1986-2012
Best in State (Wisconsin) - Fidelity National Foreclosure Solutions
Club Award - Washington Mutual Home Loans - Operational Excellence (Credit Risk) 2005
Summit Club Award- Washington Mutual Home Loans - Management Excellence (Loan servicing) 2003
Advising Clients Facing Foreclosure, Wisconsin Lawyer, December 2007.
Resolving Fee Disputes and Legal Malpractice Claims Using ADR, Marquette Law Review, Vol. 85,
No 4, 2002